I don't see any damage to my roof, should I have it inspected?
A roof must be physically inspected by a person who has training and experience to determine if there is actual damage. With hail damage you will see some of the tiny granules of a roof missing. Over time the roof damage will get progressively worse and shorten it's lifespan. Eventually your roof will end up leaking.
Even if your roof has minimal damage you have a valid insurance claim and should file with your insurance company. The damage caused by a hail storm might not cause your roof to leak for years. This makes it critical to have someone who is qualified inspect your roof.
Do I have damage since I am not missing any shingles?
Missing shingles are related to wind damage claims and can happen during a hail storm if the winds are high enough. However, hail damage is insidious in nature and may not physically cause leakage for years after a hail storm.
I only have 1 year to file my insurance claim, can I file if it has been longer than a year?
Many insurance companies do have a one year time limit and some even less, however due to the nature of hail damage they may pay claims past the deadline. This usually happens if a hail storm is widespread geographically.
My roof is new, will my manufacturer's warranty, home builder or contract cover the damage?
Manufacturer's specifically name hail as an exclusion to their product warranty, so do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage versus older roofs due to the time it takes a new roof to cure from exposure to the elements.
Do I need to file a claim if my roof has minimal or very little damage?
If your roof has any damage what-so-ever you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak for years. This is why it's important to have a qualified person inspect your roof.
Will my insurance company cancel my policy if I file a claim?
Most states prohibit insurance companies from cancelling policies for filing claims arising from severe weather related events. Check with your state however and your policy language as well.
Will my insurance company raise my rates if I file a claim?
After a disaster, insurance companies may raise every one's rates. By not filing your claim, your personal rate increase is paying for every one else's damage except yours.